SMITHS COTTAGES LIMITED
- · Oldest live charge 21.0y old — refinance window within 12 months
No material changes in the last 30 days.
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 62/100 (worth a look), bankability 80/100. Strong seller-intent signal (88/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · oldest 21.0y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 21.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: low (48/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Recent activity
Corporate timeline (46 events)Click to expand
- 2016-04-19📄gazette-dissolved-voluntarygazette · GAZ2(A)
- 2016-04-19🏁Company dissolved
- 2016-02-02📄gazette-notice-voluntarygazette · GAZ1(A)
- 2016-01-26📄dissolution-application-strike-off-companydissolution · DS01
- 2016-01-14📄accounts-with-accounts-type-dormantaccounts · AA
- 2015-07-03📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-03-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-06-25📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-03-27📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-03-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2014-03-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2014-03-06🔓Charge satisfied #2
- 2014-03-06🔓Charge satisfied #1
- 2013-06-11📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-03-21📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2012-06-26📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2012-02-03📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2011-06-26📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2011-04-05📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2010-06-28📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2010-06-28📄change-person-director-company-with-change-dateofficers · CH01
- 2010-06-28📄change-person-director-company-with-change-dateofficers · CH01
- 2010-06-28📍change-sail-address-companyaddress · AD02
- 2010-02-05📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2010-01-26📄legacymortgage · MG02
- 2010-01-23🔓Charge satisfied #3
- 2009-07-16📄legacyannual-return · 363a
- 2009-01-14📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2008-07-01📄legacymortgage · 395
- 2008-06-26🔒Charge registered #3Lender: National Westminster Bank PLC
- 2006-05-12➕HARVEY, Mandy Jane appointedsecretary
- 2006-05-12➕HARVEY, Mandy Jane appointeddirector
- 2006-05-12➕HARVEY, Neil David appointeddirector
- 2006-05-12➖RUSSELL, Alan Peter resignedsecretary
- 2006-05-12➖RUSSELL, Alan Peter resigneddirector
- 2006-05-12➖RUSSELL, Susan Caroline resigneddirector
- 2005-07-06🔒Charge registered #2Lender: National Westminster Bank PLC
- 2005-06-29🔒Charge registered #1Lender: National Westminster Bank PLC
- 2002-06-12➕RUSSELL, Alan Peter appointedsecretary
- 2002-06-12➖CDF SECRETARIAL SERVICES LIMITED resignedcorporate-nominee-secretary
- 2002-06-12➕RUSSELL, Alan Peter appointeddirector
- 2002-06-12➕RUSSELL, Susan Caroline appointeddirector
- 2002-06-12➖CDF FORMATIONS LIMITED resignedcorporate-nominee-director
- 2002-06-06🏢Company incorporatedAs SMITHS COTTAGES LIMITED
- 2002-06-06➕CDF SECRETARIAL SERVICES LIMITED appointedcorporate-nominee-secretary
- 2002-06-06➕CDF FORMATIONS LIMITED appointedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 65 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 24 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 high · 1 med ·Company has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2016-04-19
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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8 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Registered office
Filing status
Officers (0 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 26/06/2008 | 23/01/2010 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 06/07/2005 | 06/03/2014 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 29/06/2005 | 06/03/2014 |